1. The model upgraded multi-line insurer Hartford Financial Services ( HIG) to "hold." The numbers: Hartford Financial swung to a fourth-quarter profit of $557 million, or $1.19 a share, from a loss of $806 million, or $2.71, a year earlier. Revenue multiplied seven-fold to $6.4 billion. Hartford's operating margin improved from 4.7% to 13%. The company boasts a liquid balance sheet, with $45 billion of cash and marketable securities, and $7 billion of debt. The stock: Hartford Financial advanced 48% during the past year, more than major U.S. indices. The shares are inexpensive relative to those of insurance peers based on projected earnings, book value and sales. However, Hartford posted losses in five of the past six quarters. The model awards Hartford a growth score of 1.5 out of 10 and a volatility score of 2.3. A beta of 3.3 indicates excessive stock-market correlation. -- Reported by Jake Lynch in Boston.